Takes away some of the financial stress when you suffer a specific injury, as a result of an accident.
Specific injury cover pays a lump sum when you suffer one of the 30 defined specific injuries, as a result of an accident, such as certain fractures, burns, loss of sight, loss of hearing, loss of use of one limb and more – as long as it’s an injury specified in the cover. It pays you a lump sum which can help take away some of the financial stress, so you can focus on getting better. There are no offsets or wait periods and you can choose how to use the money, whether it be to assist with day-to-day bills or recovery costs. The choice is yours.
The table below lists the specific injuries covered and how much will be paid for each injury.
| Injury group | Specific injury means | Amount payable |
|---|---|---|
| Group 1 | Fracture of jaw, skull. | 2 times the sum insured |
| Fracture of forearm, collarbone. | ||
| Fracture of wrist, hand (excluding fingers). | ||
| Fracture of kneecap. | ||
| Fracture of ankle, heel. | ||
| Fracture of foot (excluding the toes). | ||
| Fractured vertebrae. | ||
| Full thickness or third degree burns to at least 9% of the body surface area. | ||
| Group 2 | Fracture of leg below the knee (tibia or fibula). | 3 times the sum insured |
| Fracture of the hip. | ||
| Fracture of leg above the knee (femur). | ||
| Fracture of the pelvis. | ||
| Fracture of multiple limbs. | ||
| Any injury requiring surgery under general anaesthesia. | ||
| Group 3 | Full thickness or third degree burns to at least 20% of the body surface area. | 6 times the sum insured |
| Full thickness or third degree burns to at least 25% of the face. | ||
| Full thickness or third degree burns to at least 50% of both hands. | ||
| Loss of the thumb and index finger of the same hand. | ||
| Loss of sight in one eye. | ||
| Group 4 | Loss of use of one limb. | 12 times the sum insured |
| Loss of sight in both eyes. | ||
| Profound deafness in both ears. | ||
| Paralysis (diplegia, hemiplegia, paraplegia, monoplegia, quadriplegia, and tetraplegia). |
It’s important to know these specific injuries have definitions which must be met to be eligible for a claim to be paid. These definitions can be found in our Specific injury cover document. Get in touch with your adviser for more information.
Specific injury cover pays a lump sum when you suffer from one of the 30 defined specific injuries, as a result of an accident, such as certain fractures, burns, loss of sight, loss of hearing, loss of use of one limb and more - as long as it’s an injury specified in the cover. It pays you a lump sum which can help take away some of the financial stress, so you can focus on getting better. There are no offsets or wait periods and you can choose how to use the money, whether it be to assist with day-to-day bills or recovery costs. The choice is yours. Find out more about Specific injury cover here.
It’s a low-cost optional cover to consider when you take out a new policy. It provides extra financial relief when a specific injury threatens to disrupt daily life. It allows you to focus on recovery. With no wait periods, you’ll have the peace of mind knowing the lump sum payout will help the day-to-day bills while ACC comes in or other cover payouts are received.
You pay an amount of money (called a ‘premium’) for a policy. The policy is a contract, so you know exactly what we’ll pay out for. As long as you keep paying for your insurance with us, and the policy terms and conditions have been met, we’ll pay for everything we agreed.
This cover is available to customers taking out a new policy only. To receive Specific injury cover, you need to take out a new policy with Fidelity Life with at least one qualifying cover with the minimum sum insured. You'll find the list of qualifying covers in the customer brochure.
Visit our easy-to-read and plain-English life insurance 101 guide, to help you learn about what protection you might need.
Discover more.We’ve compiled a list of the most commonly asked questions about this cover.
For a good overview of the ins and outs, it’s worth ready the customer brochure.
Yes - you’ll need to be between 16 and 64 (inclusive), in some cases, where you have at least one qualifying cover on your policy. Specific injury cover ends at age 70 unless the qualifying cover ends earlier for the insured person on that policy.
At this stage the Specific injury cover is available to include new policies only and can only be taken out with at least 1 of the qualifying covers with a minimum sum insured. The qualifying covers include Life cover, Trauma cover, Trauma multi cover, Total & permanent disability cover or Income protection-type covers.
To be eligible for Specific injury cover, you must have and retain at least one qualifying cover for an insured person on your policy to maintain the Specific injury cover. Check out the customer brochure for details.
Most occupations will be able to apply for Specific injury cover. To find out if your occupation qualifies for this cover, contact your Adviser to discuss further.
You can pay fortnightly, monthly or annually – whatever works best with your budget.
It’s easy! Drop us a line and an adviser will get hold of you for a no-obligation chat.
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* Fidelity Life has an A- (Excellent) financial strength rating from A.M. Best. The rating scale that this rating forms part of is available for inspection at our offices. For more information please visit Fidelity Life's financial strength page.
Disclaimer – the information contained in this webpage is a summary of the key points of this insurance policy and is general in nature. It is not, and is not intended to be, a policy document.
Details of definitions, benefits, standard exclusions/limitations, terms and conditions are contained in the full policy documentation which is available from your financial adviser. Please refer to current policy documents for specific details. This webpage does not provide a personalised financial advice service.
